Member Benefits
Being a Mirastar member has many benefits.
Serving all your financial needs.
The strength of Mirastar has always been our members. Our commitment is to ensure you have access to all the financial services and products needed to help reach your goals and dreams.
Explore our member services and perks.
Webinars
We’ve partnered with BALANCE to offer free financial webinars for members. Learn helpful tips on how to take control of your finances.
Member Discounts
Planning a fun outing or family vacation soon? We offer our members a wide variety of discounted tickets and special offers.
Financial Calculators
Our free, easy-to-use financial calculators can help you to calculate payments, see how much you can afford and more.
Vehicle Buying Services
In search of a new or used vehicle? Our vehicle buying services will match you with your dream ride within your budget.
Direct Deposit
With Direct Deposit, you get access to your hard-earned money quickly. It’s easy to set up too.
Here’s what you need to do:
- To get started, see your payroll department.
- You’ll need our routing and transit number, which is 321176972
- For a checking account, use the 12-digit account number located on the bottom of your checks.
- For a savings account, use your member number and suffix, with enough leading zeroes to make a 12-digit number. (ex. 000001234500.)
To sign up for Direct Deposit for Social Security, Supplementary Security, VA or other federal benefit checks, visit Go Direct.
Note: Direct Deposit may not be available to all employers.
Notary
Our Mirastar branches offer free notary public services for credit union related documents.
To better assist you with your notary service needs, please make sure you meet all the requirements below.
- All signers are required to have one of the following forms of current and valid photo ID: Driver License, State ID, Military ID, or Passport
- All signers must be present
- All signing must be done in the notary’s presence
Wire Transfers
Need to send a loved one money? Wiring money through Mirastar is fast, safe, and secure. We offer both domestic and international wire transfers to help you move your money anywhere, anytime. Visit your nearest branch or call us at 408-282-0700 or 800-282-6212 for more details.
Important notes on wire transfers
- Our Routing and Transit Number is 321176972
- A domestic wire transfer must be submitted by 2:00 pm for the wire to be sent the same day. Funds are generally credited the next business day to the wire recipient.
- An international wire transfer, on average, can take anywhere between one to five business days for funds to arrive in the recipient’s account, as they are subject to processing by the intermediary bank.
- A fee applies for all outgoing wire transfers. See current fee schedule.
- Our Routing and Transit Number is 321176972
- A domestic wire transfer must be submitted by 2:00 pm for the wire to be sent the same day. Funds are generally credited the next business day to the wire recipient.
- An international wire transfer, on average, can take anywhere between one to five business days for funds to arrive in the recipient’s account, as they are subject to processing by the intermediary bank.
- A fee applies for all outgoing wire transfers. See current fee schedule.
TruStage® Insurance
As a Mirastar member, you get access to exclusive rates and coverage options.
Insurance is an important part of any solid financial plan.
Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Our insurance provider will provide you with peace of mind. Get a quote today.
Skip-A-Pay
Sometimes your budget needs a little breathing room. Maybe an unforeseen expense like a medical bill or car repair will strain it beyond your comfort zone. Or maybe you know what’s coming and you need the extra cash on hand for the holidays or a little pampering. Mirastar understands and we’ve designed Skip-a-Pay to help when you need it.
What is Skip-a-Pay
The Skip-A-Pay program gives you the option to defer a monthly payment on an eligible Mirastar loan. We advance your payment due date and your maturity date.
For example, on a 48-month loan, if one payment is skipped, you make 48 payments over 49 months) for a small fee – all without impacting your credit rating.
It’s simple to take advantage of. Here’s how It works:
Start by printing out the Skip-A-Pay Request form and filling it out completely. Borrower (member) and all co-borrowers must sign this request form. Return it to a Mirastar branch or mail to: P.O. Box 11024, San Jose, CA 95103.
- A fee of $30 per loan payment skipped will be added to the loan balance when the request is approved.
- Eligible loan types for Skip-A-Pay include credit card, auto, boat, RV, motorcycle, Personal, line of credit, computer, and share secured loans (excluding single payment option).
- The loan must have originated at least 6 months before the Skip-A-Pay request date to be eligible and must not be 30 or more days past due.
- Payments can be skipped on each eligible loan only one (1) time per calendar year.
- Be sure and read the request form for the full disclosure.
If you have questions, give us a call at 408.282.0700 or 800.282.6212 or visit one of our branches.
Questions? Mirastar is here for you.
Disclosures
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© Copyright 2020, TruStage. All Rights Reserved.
TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
GEN-2944047.